Your bank already texts you.
Mizan turns it into clarity.

Every debit and credit SMS becomes a clean record of your spending, income and live balance. Plus monthly payments, Zakat and set-asides, worked out for you. No bank login. Nothing to type.

Start free in 10 minutes Take the tour

No bank password
Payments appear in seconds
Your data, your database

Messages · now

PKR 4,848.00 debited from A/C **1234 at IMTIAZ STORE on 09-Nov.

Imtiaz Store−Rs 4,848

GroceriesUBL9:41 am

Mizan dashboard on iPhone 18 Pro Max showing a bank balance of Rs 8,45,000

Rent paidMatched from bank SMS

Zakat · Ramadan 1448 91 days to go Silver nisab · 2.5%

Reads alerts from MCBUBLand any bank you teach it PKR · INR · USD · GBP · EUR · AED · SAR

How it works

Set it up once. It runs itself.

Mizan uses the SMS alerts you already receive. An iPhone Shortcut forwards each one the moment it arrives.

01
Your bank sends an alert

The same SMS you get for every card payment, transfer and salary.

PKR 25,000.00 transferred to ALI RAZA via IBFT. Ref 88213
02
A Shortcut forwards it

A one-time iPhone automation sends bank alerts to your own Mizan. OTPs and promos are ignored.

MessagesShortcutsMizan
03
Mizan files it for you

Amount, date, person and category. Your balance updates. Anything unclear waits in a review inbox.

Ali RazaFamily−Rs 25,000

Features

Much more than a spending list

Everything a household in Pakistan actually juggles each month, in one calm app.

Dashboard

Live bank balance, across every bank

Set it once. Every transaction keeps it right. Expenses, income and net flow for any period, compared with the one before.

Dashboard with balance, expenses, income and trends

Monthly payments

Rent, bills and salaries, ticked off

A checklist that starts fresh each month and matches the payment from your SMS, so you tick it in one tap.

✓RentRs 85,000

✓K-ElectricRs 14,320

Maidlate

School feedue 10th

Zakat

Zakat, worked out each Ramadan

Checks your savings against the gold or silver nisab with live metal prices, and keeps a record for every year.

NisabSilver · 52.5 tola

Rate2.5%

Next Ramadan91 days

Set-asides

Charity that saves itself

Rules like "10% of every remittance for sadaqah". Mizan tracks what has built up and what you have paid out.

Sadaqah · 10% of remittancesRs 12,400

Qurbani fund · Rs 5,000 a monthRs 35,000

Calendar

See every payment by day, week or month

Spending check

A gentle nudge before you overspend

Set a monthly limit for each category. Mizan compares this month with your usual pace and lets you know early, not after the money is gone.

Food

92%

Fuel

58%

Shopping

31%

Review inbox

Mizan never guesses. Reversals, pending or foreign payments wait for one tap.

Tax summary

Your year at a glance, ready for filing season.

Nightly backups

To your own Google Drive, plus a one-tap download.

Push notifications

Know when an alert needs your review.

Take the tour

Made for your phone. Great on a laptop.

Your month at a glance

Balance, expenses, income and remittances for any period, with trends, top categories and the people you pay most.

See all features on GitHub →

A day with Mizan

You live your day. Mizan keeps the books.

08:15
Salary lands
Income logged, and your 10% sadaqah set-aside is put aside on its own.
13:30
Lunch on card
Filed under Food before you are back at your desk.
18:05
Rent transferred
Matched to this month's checklist. One tap and it is ticked.
22:00
You open the app
Everything is already there, and it is backed up overnight.

Why Mizan

Not another budget app to feed by hand

Question	Typical budget apps	Mizan
Asks for your bank login	Often	Never
Typing in every purchase	Yes	Only cash
Understands Pakistani bank SMS	Rarely	Yes, and learns new banks
Zakat, set-asides, monthly bills	No	Built in
Ads and trackers	Common	None
Price	Subscription	Free to self-host

Private by design

Your money is nobody else's business

Mizan runs on your own free Vercel and Neon accounts. One owner, one passphrase, no shared servers. SMS text is treated as data only, and unclear alerts are stored redacted.

0: bank logins shared
0: ads or trackers
Rs 0: a month to run
~10 min: to set up

Get Mizan

Two ways to start tonight

Available now

Self-host, free forever

Deploy your own copy to Vercel and Neon from GitHub. The setup screen walks you through the rest.

All features included
Your own private database
Open source, inspect every line

Set up from GitHub

Coming soon

Hosted Mizan

Rather not deploy anything? We host it for you. Join the beta list and we'll email you when it opens.

FAQ

Questions, answered

Does Mizan need my bank username or password?

No. Mizan only reads the SMS alerts you choose to forward with an iPhone Shortcut. It never connects to your bank.

Which banks does it work with?

It is tuned for Pakistani banks such as MCB and UBL and for PKR amounts. You can teach it any other bank by pasting one example alert.

Does it work on Android?

Automatic import uses iPhone Shortcuts, so it is built for iPhone. On other phones you can still open Mizan in the browser and add payments by hand.

How does the Zakat calculation work?

Mizan compares your bank balance and other savings with the gold or silver nisab using live metal prices and works out 2.5% if Zakat is due. It is a guide, not a fatwa, so ask a scholar you trust about unusual cases.

What does it cost?

Self-hosting is free. Mizan runs on the free tiers of Vercel and Neon. A hosted version is planned; join the beta list to hear first.

What if an SMS is unclear?

Mizan never guesses. Reversals, pending payments, foreign currency or unknown wording wait in the review inbox for you to confirm.

Your bank already texts you.Mizan turns it into clarity.